Banking Sector Financial Highlights
Corporate Banking - loan and deposit portfolio
Loan portfolio
+23.7%
All currency data are in GEL m unless otherwise stated
Deposit portfolio
+49.1%
+51.1%
+25.1%
+25.8%
+2.9%
+24.6%
+2.0%
4,580
4,926
4,925
5,506
5,664
Growth on a
7,419
5,932
constant
4,975
5,334
1,755
4,825
currency
1,581
3,974
4,146
basis
1,707
3,375
3,604
3,644
1,800
1,803
5,664
4,351
3,175
3,627
3,021
1,205
1,322
1,281
1,532
1,519
Sep-22
Dec-22
Mar-23
Jun-23
Sep-23
Loan yield
Net loans GEL ■Net loans FC
Sep-22
Dec-22
Mar-23
■Client deposits and notes GEL
Cost of deposits
Jun-23
Sep-23
■Client deposits and notes FC
9.7%
9.7%
9.9%
10.2%
15.4%
9.6%
9.7%
14.7% 14.8%
11.2%
14.8% 14.5%
11.5% 11.8%
14.7%
15.0%
9.2%
7.5%
7.3%
7.1%
11.5%
6.7%
6.2%
6.2%
6.1%
10.2%
8.9%
9.1%
10.3% 10.8%
10.3%
9.7%
8.6%
7.1%
7.4%
-0.1%
-0.2%
0.1%
0.0%
0.2%
-0.1%
0.1%
3Q22
4Q22
1Q23 2Q23
3Q23
9M22
9M23
3Q22
4Q22
1Q23
2Q23
3Q23
9M22
9M23
Loan yield
Loan yield (GEL)
Loan yield (FC)
Cost of deposits
Cost of deposits (GEL)
Cost of deposits (FC)
43
The negative cost of deposits is attributed to the gains from EUR/USD swap transactions part
of which are included in the calculation of the cost of depositsView entire presentation